ProVisor Classroom

TRANSPARENT MORTGAGE SOLUTIONS ℠

Rob Miller, MLOP CMHS

Senior Loan Officer NMLS# 239865

ProVisor provides transparent mortgage solutions. Our solutions strive to build the best loan programs to ensure financial success.

As a Senior Mortgage Officer at ProVisor, I have been serving the Madison area for over 12 years. I have focused my attention on providing my customers with an easy, painless loan process. I strive to not only complete your loan but make sure you are educated and informed throughout the entire loan process. One of my firm beliefs is handling each customer independently of the next, providing knowledge, accountability and “World Class Service”. By working with me, you will have your loan processed right here in Madison. Local service means quick decisions and closings will happen on time. Since buying a home is one of the most important decisions of a customer’s life, my staff and I want to make sure it is as smooth and enjoyable as possible.

REFINANCE LOANS

Government & Conventional loan programs to provide you with the best possible refinance option.

PURCHASE LOANS

Whether you're a First Time Home Buyer or you're moving in to a new property, I'm here to help!

DEBT CONSOLIDATION

I offer unique refinance loans to successfully utilize your home's equity to provide your family financial freedom.

CREDIT ANALYSIS

No matter your credit situation, I work with my clients from start to finish to improve their financial situations.

Rob Miller ProVisor News Make a Bid on a New Home-New-Logo

In the housing market, the best deal doesn’t always come with the lowest price. Price vs. Payments: If you’re financing your purchase, you’ll probably never come close to paying the actual price. You’re making a comparatively small down payment and then paying interest on the loan until you refinance or sell. Yes, you will have

Rob Miller ProVisor News VA Home Loans-New-Logo

Veteran’s Administration or “VA” loans are available for active, non-active, and retired Army, Air Force, Marine, Navy, National Guard, and Coast Guard vets who meet the established service requirements. The most notable features and benefits for those who qualify are: 100% financing/No down payment No monthly mortgage insurance (PMI) Gift funds acceptable for closing costs

Rob Miller ProVisor Mortgage Do & Dont-New-Logo

DO: Availability – Keep your financial records close at hand in case updates are requested. Income – Be aware that underwriters typically verify your income and tax documents through your employer, CPA, and/or IRS tax transcripts. Hold onto new pay stubs as received. Assets – Continue saving incoming account statements. Keep all numbered pages of

Rob Miller ProVisor News Avoid Refinancing Traps

The Automatic Payment Trap It can take up to two weeks to have automatic payments canceled. If your payments are made this way be sure to turn it off before closing. You don’t want to pay for the same month twice! The Missed or Late Payment Trap Believe it or not, lots of people think

Rob Miller ProVisor News Ask The Expert

The “Experts” Say… By ProVisor “Rates need to be 2% lower to justify refinancing.” Ever hear something like this and take it at face value? In the mortgage business, we hear recitals of old rules all the time. They often come from so-called experts, but frankly, there are times when their advice could lead you

Credit Score By ProVisor Understanding the makeup of your credit score is the first step toward managing and improving it. As you might expect, payment history is the most influential component in your credit score, followed closely by the amounts you owe. To lesser degrees, the length of time you’ve utilized credit, the number of new accounts

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